Should I Close Citi ?

I have a Citi card with a measly $300 limit that has been opened a couple of years, I've never used it and Citi won't budge with a CLI. Will it hurt my score at all to close it, or should I just let it sit there open until Citi closes it for non-activity ?

Re: Should I Close Citi ?

I'd keep it open and work on the reason why they won't budge on a CLI. Citi are stingy with CLI mine as been stuck the same for several years I get knocked down each time even though my credit profile is excellent. Well apart from the odd inquiry and zillion new accounts

Re: Should I Close Citi ?

I have a Citi card with a measly $300 limit that has been opened a couple of years, I've never used it and Citi won't budge with a CLI. Will it hurt my score at all to close it, or should I just let it sit there open until Citi closes it for non-activity ?

If the card is not growing even if it has no AF with the cards you currently have I say close it. Those cards and limits are great

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair
organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or
assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.